Unlocking Abundance

Key Takeaways

• Let your desired feelings guide your path. Instead of setting rigid goals for 2026, start by identifying the emotions you want to experience—whether that’s security, generosity, or feeling supported—and let those feelings guide your very next financial steps.
• Small, intentional steps create lasting peace of mind and take away one more thing for you to manage. Whether that’s understanding your projected income, creating a spending plan that values generosity, or automating your finances, you can have some extra time back to focus on what truly matters.

Take stock, what went well this year?

It’s no secret that where we cast our focus creates the substance of our lives. What is actually working and how does it make you feel?

Looking back at your money story in 2025 (and it was a loooong one!) what stands out?

Become a detective; identify the specific feelings you want to carry forward.

Did you feel financially abundant? What was a favorite memory?

Where did you feel supported? Who do you want to be there with you next year?

Think back on what happened managing your money and what you felt.

Make a list of those feelings you desire to bring into 2026. Some examples might be: Secure, Generous, Supported, On Track.

Allow those feelings to guide your next steps

In order to bring the feeling of Security into 2026, take take a look at your projected income. Understanding exactly what money will be coming in and making sure that it’s going to cover your core “Needs” can set you up with the feelings of safety that come from achieving financial independence.

If you want to invite more Generosity into next year, create your Spending Plan (aka a budget) to show you exactly how much you can actually give to your favorite organizations and causes. The goal here is finding balance between supporting yourself and being able to give from a full cup and without depravity. You can also save ahead all year for specific feel-good spends using Sinking Funds!

Wherever you felt Supported this year, you can foster those relationships by knowing exactly who you can turn to when it comes to improving your money management. Who is that trusted friend who just gets it– that person you can open up to about what is going on with your money? Who are the financial experts in your corner, or even in a friend’s corner? This might be the year you get that referral and speak with a Financial Advisor to get some concrete and long-term planning in place!

We can stay On Track by automating just about everything! That means our income is directly deposited into our main account for paying our bills, our federal are taxes are taken out that will cover our annual tax, and contributions are pulled ahead of time using tax-free dollars for everything from Personal Savings, Retirement Accounts, Flex Spending Accounts and Health Savings Accounts. Credit card bills are set to auto-pay (ideally in full, but even the minimum before the due date is a good start if you’re trying to up your credit score!). This way, you’re simply left with money to spend on your Needs and Wants, while your Goals are being taken care of without you having to lift a finger!

FAQ’s

• What if I’m finding it hard to focus on what is actually working?

You might be functioning within a scarcity mindset, which is super-common. When we live in our thoughts and feels from a place of lack, it not only feels terrible but it trains our brain to look for, and expect, more of that. Try something new: when you feel that predicted financial worry creep in, look around the room and identify all of the sharp corners. This brings you into the present moment and allows you a reset to intentionally pull up a new thought. Try something like, “I wonder if there is another way” or “What else might happen?”. You’ll be on your way to stopping the scarcity thoughts in their tracks and more in control of creating that next thought and feeling!

• How much should I be putting into the various other accounts, directly from my paycheck?

A good rule of thumb is to save 20% of your paycheck. You can break this down by automating 15% directly towards Retirement Savings (you can split this among the Retirement and Health Accounts) and 5% towards your personal savings. Check where you already bank for savings accounts with an interest rate of at least 3%, or you can find a new high interest saving account here! Getting started? You can do as little as 10% and work your way up. Hot Tip: If your employer offers it, take advantage of “auto-escalating” contributions to be in line with every pay increase!

Need someone in your corner in order to make sure you’re on track to meet your financial goals in 2026? Schedule your free 30-minute consultation with me now!